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The woman had no money card fraud involving bank product flaws in Sina 1 million 500 thousand fund exposure table: the letter Phi lag of false propaganda, long-term performance is lower than similar products, to buy the fund by the pit how to do? Click on [I want to complain], Sina help you expose them! Xinhua Shanghai October 7th news (reporter Huang Anqi) the bank card only financial products, there is no balance, but still in the loss of millions of dollars in telecommunications fraud. Shanghai citizen Lee sued the bank for damages, and the people’s Court of Shanghai, Pudong New Area, recently made a judgment on the case. The court held that the bank product design flaws, discretionary judgment responsibility 20%. In January 8, 2016, foreign banks Lee Shanghai people in a large state-owned bank’s personal account funds before the bank is abnormal, issued 5 loans to her account, then the money was transferred to other accounts. Ms. Lee immediately reported the matter, and freeze the account. Ms. Lee said that the individual account only has not yet expired financial products, there is no deposit, she did not apply to the bank loans. Because Ms. Lee did not repay on time, the bank under the pledge loan contract, her name of financial products in the open redemption after disposal. As of April 8th, Ms. Lee account after the disposal of financial products after a total repayment of 148 yuan, including 1 million 469 thousand and 700 yuan loan principal and interest and fines of 1 yuan. In addition, due to Lee did not repay the loan overdue, but also produced bad credit records. Ms. Lee said, on the day of the incident, she did leak online bank accounts and passwords. In January 8th, she received a phone call, the other said her bank account "unsafe", in order to facilitate handling, need her computer in this end of operation to cooperate. Because the account only outstanding financial products, no deposit balance, Ms. Lee careless, think that even if the leaked information will not cause financial losses. So, Ms. Lee to operate according to the requirements of the other party, the bank received her 5 network loan application, the upper limit of 300 thousand yuan each, because there are more than 155 yuan of financial products Lee account, the bank put money to her, then criminals go forwards. Ms. Lee said, according to the provisions of the CBRC "Interim Measures" of the administration of personal loans, personal loans are usually entrusted to take loans to pay the payment directly to the borrower’s transaction object, that is to say even if Lee applied for loans, the money should not be directly into her account. Independent payment is a special case of personal loans. In accordance with the regulations, only unable to determine the transaction object and the loan amount is not more than 300 thousand yuan of the case, to apply independent payment, the CBRC behavior violations also think that "to avoid the payment of break up the whole into parts". In this case, the criminals evade the entrusted payment by means of independent payment, and transfer the funds in batches. Ms. Lee believes that other banks of this kind of behavior is to avoid the entrusted payment of restriction and supervision, the bank has no quota or regulation, the existence of fault. The bank believes that Ms. Lee’s behavior has violated the relevant agreement of the service agreement